the question that i heard mentioned before was underwriting, and bankruptcy laws. it is a big issue with a lot of people out there. if we say they are allowed to be bankrupt, but we think that is going to affect the current market? we have to cut people off. consider the federal loan program, they will guarantee anybody the ability to repay, but because they know there is a guarantee they'll get the loan paid back. the can't charge them bankruptcy, right? how come we guarantee loans without their ability to pay? and woe schools be interested in standing behind their product? if a student defaults, with the school step up and pay the loan back? would they pay that loan back? >> it would as a result of higher tuition because the schools don't necessarily have a substantial endowments. the consequence of bankruptcy discharge would be people in over their head would have the option of the light at the end of the tunnel, it would force the lenders to offer more compromises, since they know that the alternative is losing that loan entirely to a bankruptcy discharge, he m